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Your trusted lender

Whether it’s a purchase loan, a refinance for a lower rate, or a cash-out refinance, we help you get the rates you deserve.

Your hometown mortgage experts!

Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.

First-Time Home Buyers

Buying your first home? We offer the guidance you need to get started.

Mortgage Walkthrough Guide

Get educated! Learn exactly what occurs in every step throughout the mortgage process.

Mortgage Calculator

How much can you afford? What does that monthly payment look like? Find out here.

Home Loan Options

We’re here to help you figure out which mortgage best fits your unique financial picture.

Get started by using one of our FREE tools!

True Lending Company

NMLS #2298394

Whether buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist.

Since market conditions and mortgage programs change frequently, you must ensure you’re dealing with a top professional who can give you quick and accurate financial advice.

We have the expertise and knowledge you need to explore the many financing options available.

dbayla@truelendingco.com(206) 649 8719
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Why work with us?

We truly care about what is best for you! From pre-approval to closing, our goal is to provide you with the best service while saving you money. We provide a completely customized experience, and will find the right loan program and best terms for you.

The most important part of our success is our clients and real estate agents who trust us every day to educate and advocate for them in the mortgage process. We have multiple loan products, giving our clients more options, competitive rates, and low fees. We are passionate about providing great customer service.

Mortgage Loan

How the process works

1

Documentation

There are a few critical documents we will need to verify to start your process.

2

Appraisal

The appraisal ensures the home you are buying is worth the price that is being offered.

3

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic.

4

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions.

5

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met.

6

Closing

Signing the final documentation and receiving the keys to your new home!

Are you curious about what your monthly mortgage payment could be? Use our mortgage calculator to find a monthly payment that works for you…

Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!

$
$50,000 $2 Million
$
%
0% 80%
Loan Term
%
0% 20%
Credit Score
Advanced (optional)
$
%
0% 5%
$
%
0% 15%
$ /month
Principal & Interest (P&I)
$
PMI
$
Taxes & HOA
$
Homeowners Insurance
$
Loan Totals:
Purchase Price $
Down Payment $
Total Loan Amount $
PMI The PMI (Private Mortgage Insurance) is a mortgage lenders' protection in the event of a default. PMI is paid monthly as part of your mortgage payment to the lender. Once a borrower has paid the equivalent of the 20% down payment, PMI can be removed from the monthly mortgage payment.
Estimated Payment $ /mo

Loan amount
$
Down payment
$
Interest rate
Loan term
Taxes & insurance included?
Property tax
Homeowner's insurance
$
Mortgage insurance
$
HOA dues
$
Payment Breakdown

Amortization Schedule Breakdown

Our detailed amortization schedule breaks down your mortgage payments, showing how they are split between interest and principal over the life of your loan. Note: The actual monthly payment may be higher than what is shown here, as this schedule does not account for variable costs such as property taxes and home insurance, which are often included in your total mortgage payment.
  • Principal payments: $$240,000 (the amount borrowed)
  • Interest payments: $$297,554 (the cost of borrowing)

Check out our other mortgage calculators

Mortgage Affordability Calculator

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Rent vs Buy Mortgage Calculator

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Early Payoff Mortgage Calculator

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Refinance Mortgage Calculator

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Repayment Calculator

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FHA Calculator

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Conventional Calculator

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VA Veterans Calculator

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USDA Calculator

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Jumbo Calculator

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